Home > The Miners National Bank of Eveleth > Performance and Condition Ratios
The Miners National Bank of Eveleth, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 1,889 |
| Cost of funding earning assets | 0.6694% | 3,971 |
| Net interest margin | 4.4149% | 695 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.9171% | 1,243 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.8621% | 2,667 |
| Return on assets (ROA) | 0.8621% | 2,641 |
| Pretax return on assets | 1.1640% | 2,228 |
| Return on Equity (ROE) | 10.9800% | 2,232 |
| Retained earnings to average equity (ytd only) | 10.3978% | 924 |
| Net charge-offs to loans | 0.0187% | 1,982 |
| Credit loss provision to net charge-offs | 1,108.3333% | 380 |
| Earnings coverage of net charge-offs (x) | 98.1667% | 913 |
| Efficiency ratio | 68.9755% | 2,013 |
| Assets per employee ($millions) | 5.7108% | 3,064 |
| Cash dividends to net income (ytd only)* | 5.2972% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 3,149 |
| Loan loss allowance to noncurrent loans | 1,025.7576% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,077 |
| Noncurrent loans to loans | 0.1006% | 3,036 |
| Net loans and leases to total assets | 71.0300% | 1,695 |
| Net loans and leases to deposits | 78.1834% | 2,244 |
| Net loans and leases to core deposits | 82.4598% | 2,554 |
| Total domestic deposits to total assets | 90.8500% | 542 |
| Equity capital to assets | 8.2487% | 3,242 |
| Core capital (leverage) ratio | 8.6369% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3464% | 861 |
| Memoranda: | ||
| Average total assets | $89,779,800 | 3,914 |
| Average earning assets | $82,312,000 | 3,903 |
| Average equity | $7,049,600 | 4,047 |
| Average total loans | $64,093,200 | 3,646 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 1,946 |
| Cost of funding earning assets | 0.5881% | 3,990 |
| Net interest margin | 4.3624% | 740 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.8163% | 1,397 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.8786% | 2,760 |
| Return on assets (ROA) | 0.8786% | 2,745 |
| Pretax return on assets | 1.1561% | 2,398 |
| Return on Equity (ROE) | 11.3400% | 2,294 |
| Retained earnings to average equity (ytd only) | 10.9509% | 1,164 |
| Net charge-offs to loans | 0.0251% | 1,575 |
| Credit loss provision to net charge-offs | 1,108.3333% | 384 |
| Earnings coverage of net charge-offs (x) | 75.6667% | 1,077 |
| Efficiency ratio | 67.5250% | 2,068 |
| Assets per employee ($millions) | 5.7118% | 3,005 |
| Cash dividends to net income (ytd only)* | 3.3956% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,141 |
| Loan loss allowance to noncurrent loans | 1,010.4478% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,110 |
| Noncurrent loans to loans | 0.1031% | 3,060 |
| Net loans and leases to total assets | 70.3500% | 1,784 |
| Net loans and leases to deposits | 80.4087% | 2,010 |
| Net loans and leases to core deposits | 84.9551% | 2,264 |
| Total domestic deposits to total assets | 87.4900% | 1,738 |
| Equity capital to assets | 7.8390% | 3,156 |
| Core capital (leverage) ratio | 8.6731% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6472% | 996 |
| Memoranda: | ||
| Average total assets | $89,381,750 | 3,934 |
| Average earning assets | $81,848,750 | 3,926 |
| Average equity | $6,927,750 | 4,053 |
| Average total loans | $63,722,250 | 3,658 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 1,831 |
| Cost of funding earning assets | 0.4088% | 4,150 |
| Net interest margin | 4.4621% | 640 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.8677% | 1,285 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.9108% | 2,720 |
| Return on assets (ROA) | 0.9108% | 2,703 |
| Pretax return on assets | 1.2242% | 2,304 |
| Return on Equity (ROE) | 11.8000% | 2,214 |
| Retained earnings to average equity (ytd only) | 11.2133% | 1,147 |
| Net charge-offs to loans | 0.0379% | 1,146 |
| Credit loss provision to net charge-offs | 583.3333% | 590 |
| Earnings coverage of net charge-offs (x) | 51.0833% | 1,279 |
| Efficiency ratio | 67.4801% | 2,050 |
| Assets per employee ($millions) | 5.4838% | 3,166 |
| Cash dividends to net income (ytd only)* | 4.9505% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 3,580 |
| Loan loss allowance to noncurrent loans | 902.9412% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,000 |
| Noncurrent loans to loans | 0.1061% | 2,955 |
| Net loans and leases to total assets | 72.3400% | 1,486 |
| Net loans and leases to deposits | 82.9628% | 1,764 |
| Net loans and leases to core deposits | 87.1249% | 1,997 |
| Total domestic deposits to total assets | 87.2000% | 1,869 |
| Equity capital to assets | 8.0202% | 3,203 |
| Core capital (leverage) ratio | 8.5385% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4175% | 1,048 |
| Memoranda: | ||
| Average total assets | $88,712,667 | 3,952 |
| Average earning assets | $81,216,667 | 3,949 |
| Average equity | $6,849,000 | 4,096 |
| Average total loans | $63,306,000 | 3,668 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 1,902 |
| Cost of funding earning assets | 0.3210% | 4,140 |
| Net interest margin | 4.3574% | 735 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 3.0270% | 1,015 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.8117% | 3,158 |
| Return on assets (ROA) | 0.8117% | 3,109 |
| Pretax return on assets | 1.1480% | 2,581 |
| Return on Equity (ROE) | 10.7200% | 2,572 |
| Retained earnings to average equity (ytd only) | 10.7180% | 1,535 |
| Net charge-offs to loans | 0.2098% | 348 |
| Credit loss provision to net charge-offs | 15.1515% | 1,386 |
| Earnings coverage of net charge-offs (x) | 7.9091% | 1,738 |
| Efficiency ratio | 72.1154% | 1,524 |
| Assets per employee ($millions) | 5.7656% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 4,040 |
| Loan loss allowance to noncurrent loans | 754.2857% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 2,992 |
| Noncurrent loans to loans | 0.1098% | 2,975 |
| Net loans and leases to total assets | 73.1300% | 1,306 |
| Net loans and leases to deposits | 80.8524% | 1,760 |
| Net loans and leases to core deposits | 85.0912% | 1,924 |
| Total domestic deposits to total assets | 90.4500% | 996 |
| Equity capital to assets | 7.9645% | 3,265 |
| Core capital (leverage) ratio | 8.1664% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0839% | 1,141 |
| Memoranda: | ||
| Average total assets | $89,198,500 | 4,003 |
| Average earning assets | $82,250,000 | 3,989 |
| Average equity | $6,755,000 | 4,147 |
| Average total loans | $62,915,000 | 3,716 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 1,441 |
| Cost of funding earning assets | 0.2801% | 3,044 |
| Net interest margin | 3.8349% | 1,092 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.9385% | 1,069 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.6086% | 3,861 |
| Return on assets (ROA) | 0.6086% | 3,811 |
| Pretax return on assets | 0.7588% | 3,723 |
| Return on Equity (ROE) | 8.3500% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.7257% | 1,948 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.8597% | 856 |
| Assets per employee ($millions) | 5.4066% | 3,311 |
| Cash dividends to net income (ytd only)* | 7.4954% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 3,782 |
| Loan loss allowance to noncurrent loans | 817.6471% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 3,049 |
| Noncurrent loans to loans | 0.1096% | 2,984 |
| Net loans and leases to total assets | 66.9100% | 1,940 |
| Net loans and leases to deposits | 72.6499% | 2,354 |
| Net loans and leases to core deposits | 76.1504% | 2,407 |
| Total domestic deposits to total assets | 92.0900% | 618 |
| Equity capital to assets | 7.2046% | 3,549 |
| Core capital (leverage) ratio | 7.9253% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1030% | 1,110 |
| Memoranda: | ||
| Average total assets | $89,877,000 | 4,012 |
| Average earning assets | $83,182,800 | 4,002 |
| Average equity | $6,549,600 | 4,266 |
| Average total loans | $57,279,000 | 3,786 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 1,290 |
| Cost of funding earning assets | 0.2772% | 2,414 |
| Net interest margin | 3.7096% | 1,114 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.8451% | 1,157 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.5595% | 3,943 |
| Return on assets (ROA) | 0.5595% | 3,890 |
| Pretax return on assets | 0.7668% | 3,661 |
| Return on Equity (ROE) | 7.6600% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.2468% | 2,281 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.7099% | 939 |
| Assets per employee ($millions) | 5.2205% | 3,482 |
| Cash dividends to net income (ytd only)* | 5.3333% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 3,950 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 67.0500% | 1,778 |
| Net loans and leases to deposits | 72.7987% | 2,145 |
| Net loans and leases to core deposits | 75.1430% | 2,266 |
| Total domestic deposits to total assets | 92.1000% | 848 |
| Equity capital to assets | 7.2294% | 3,385 |
| Core capital (leverage) ratio | 7.8746% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2254% | 1,136 |
| Memoranda: | ||
| Average total assets | $89,368,000 | 4,051 |
| Average earning assets | $82,737,750 | 4,040 |
| Average equity | $6,531,500 | 4,311 |
| Average total loans | $56,085,750 | 3,818 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6765% | 1,601 |
| Cost of funding earning assets | 0.2726% | 1,994 |
| Net interest margin | 3.4039% | 1,596 |
| Noninterest income to average assets | 0.2233% | 3,857 |
| Noninterest expense to average assets | 2.7977% | 1,176 |
| Loan and lease loss provision to assets | 0.0223% | 2,197 |
| Net operating income to assets | 0.3863% | 4,134 |
| Return on assets (ROA) | 0.3863% | 4,083 |
| Pretax return on assets | 0.5537% | 3,914 |
| Return on Equity (ROE) | 5.2664% | 3,762 |
| Retained earnings to average equity (ytd only) | 5.2664% | 2,603 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9252% | 744 |
| Assets per employee ($millions) | 5.1879% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 4,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.7633% | 1,827 |
| Net loans and leases to deposits | 70.4074% | 2,157 |
| Net loans and leases to core deposits | 72.6905% | 2,265 |
| Total domestic deposits to total assets | 91.9837% | 840 |
| Equity capital to assets | 7.3496% | 3,566 |
| Core capital (leverage) ratio | 7.6892% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0699% | 1,169 |
| Memoranda: | ||
| Average total assets | $89,574,333 | 4,085 |
| Average earning assets | $82,905,667 | 4,092 |
| Average equity | $6,570,000 | 4,357 |
| Average total loans | $54,773,667 | 3,880 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4912% | 1,839 |
| Cost of funding earning assets | 0.2726% | 1,905 |
| Net interest margin | 3.2186% | 1,821 |
| Noninterest income to average assets | 0.2260% | 3,803 |
| Noninterest expense to average assets | 3.0090% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2969% | 4,150 |
| Return on assets (ROA) | 0.2969% | 4,123 |
| Pretax return on assets | 0.1994% | 4,328 |
| Return on Equity (ROE) | 4.0520% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.0520% | 2,915 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7845% | 388 |
| Assets per employee ($millions) | 4.9502% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 4,052 |
| Loan loss allowance to noncurrent loans | 1,391.4286% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,639 |
| Noncurrent loans to loans | 0.0644% | 3,528 |
| Net loans and leases to total assets | 60.4447% | 2,018 |
| Net loans and leases to deposits | 65.6741% | 2,362 |
| Net loans and leases to core deposits | 67.7783% | 2,474 |
| Total domestic deposits to total assets | 92.0373% | 565 |
| Equity capital to assets | 7.3017% | 4,048 |
| Core capital (leverage) ratio | 7.4279% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6264% | 1,119 |
| Memoranda: | ||
| Average total assets | $90,264,000 | 4,099 |
| Average earning assets | $83,638,500 | 4,093 |
| Average equity | $6,614,000 | 4,401 |
| Average total loans | $53,353,000 | 3,916 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 541 |
| Cost of funding earning assets | 0.3144% | 2,258 |
| Net interest margin | 4.2494% | 449 |
| Noninterest income to average assets | 0.2443% | 3,912 |
| Noninterest expense to average assets | 3.5010% | 471 |
| Loan and lease loss provision to assets | 0.1020% | 1,232 |
| Net operating income to assets | 0.3368% | 4,375 |
| Return on assets (ROA) | 0.3368% | 4,394 |
| Pretax return on assets | 0.3605% | 4,432 |
| Return on Equity (ROE) | 4.2077% | 4,172 |
| Retained earnings to average equity (ytd only) | 3.6002% | 3,384 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3303% | 374 |
| Assets per employee ($millions) | 4.8118% | 3,875 |
| Cash dividends to net income (ytd only)* | 14.4366% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 3,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.7394% | 2,511 |
| Net loans and leases to deposits | 61.6835% | 2,912 |
| Net loans and leases to core deposits | 63.6077% | 3,018 |
| Total domestic deposits to total assets | 91.9847% | 182 |
| Equity capital to assets | 7.3525% | 4,639 |
| Core capital (leverage) ratio | 7.5525% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2209% | 1,001 |
| Memoranda: | ||
| Average total assets | $84,317,800 | 4,162 |
| Average earning assets | $73,798,000 | 4,209 |
| Average equity | $6,749,600 | 4,452 |
| Average total loans | $48,129,600 | 4,037 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7377% | 454 |
| Cost of funding earning assets | 0.3270% | 2,331 |
| Net interest margin | 4.4107% | 369 |
| Noninterest income to average assets | 0.2471% | 3,916 |
| Noninterest expense to average assets | 3.2129% | 693 |
| Loan and lease loss provision to assets | 0.1175% | 1,015 |
| Net operating income to assets | 0.5847% | 4,030 |
| Return on assets (ROA) | 0.5847% | 4,079 |
| Pretax return on assets | 0.7075% | 4,056 |
| Return on Equity (ROE) | 7.1436% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.7489% | 2,520 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5600% | 772 |
| Assets per employee ($millions) | 4.5193% | 4,110 |
| Cash dividends to net income (ytd only)* | 5.5249% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 4,057 |
| Loan loss allowance to noncurrent loans | 1,008.5106% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,764 |
| Noncurrent loans to loans | 0.0926% | 3,614 |
| Net loans and leases to total assets | 58.5417% | 2,421 |
| Net loans and leases to deposits | 64.1313% | 2,841 |
| Net loans and leases to core deposits | 66.2808% | 2,927 |
| Total domestic deposits to total assets | 91.2842% | 288 |
| Equity capital to assets | 7.9914% | 4,526 |
| Core capital (leverage) ratio | 7.8365% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0886% | 941 |
| Memoranda: | ||
| Average total assets | $82,541,000 | 4,233 |
| Average earning assets | $70,946,250 | 4,305 |
| Average equity | $6,756,500 | 4,513 |
| Average total loans | $47,071,750 | 4,114 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 395 |
| Cost of funding earning assets | 0.3446% | 2,366 |
| Net interest margin | 4.5683% | 318 |
| Noninterest income to average assets | 0.1768% | 4,316 |
| Noninterest expense to average assets | 3.0700% | 881 |
| Loan and lease loss provision to assets | 0.1056% | 1,186 |
| Net operating income to assets | 0.6926% | 3,779 |
| Return on assets (ROA) | 0.6926% | 3,846 |
| Pretax return on assets | 0.8105% | 3,844 |
| Return on Equity (ROE) | 8.3912% | 3,286 |
| Retained earnings to average equity (ytd only) | 8.3912% | 1,941 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0179% | 991 |
| Assets per employee ($millions) | 4.3701% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 4,089 |
| Loan loss allowance to noncurrent loans | 944.6809% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,854 |
| Noncurrent loans to loans | 0.0976% | 3,696 |
| Net loans and leases to total assets | 57.4556% | 2,730 |
| Net loans and leases to deposits | 63.1408% | 3,088 |
| Net loans and leases to core deposits | 65.3337% | 3,169 |
| Total domestic deposits to total assets | 90.9961% | 378 |
| Equity capital to assets | 8.2150% | 4,423 |
| Core capital (leverage) ratio | 7.9901% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4268% | 1,046 |
| Memoranda: | ||
| Average total assets | $81,432,333 | 4,270 |
| Average earning assets | $67,903,000 | 4,369 |
| Average equity | $6,721,333 | 4,541 |
| Average total loans | $45,848,333 | 4,156 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 453 |
| Cost of funding earning assets | 0.3371% | 2,648 |
| Net interest margin | 4.5097% | 348 |
| Noninterest income to average assets | 0.1538% | 4,433 |
| Noninterest expense to average assets | 2.6937% | 1,636 |
| Loan and lease loss provision to assets | 0.1141% | 1,207 |
| Net operating income to assets | 0.9277% | 3,053 |
| Return on assets (ROA) | 0.9277% | 3,127 |
| Pretax return on assets | 1.1955% | 2,857 |
| Return on Equity (ROE) | 11.2119% | 2,299 |
| Retained earnings to average equity (ytd only) | 11.2119% | 1,345 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2862% | 2,030 |
| Assets per employee ($millions) | 4.3235% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,087 |
| Loan loss allowance to noncurrent loans | 963.6364% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,994 |
| Noncurrent loans to loans | 0.0960% | 3,824 |
| Net loans and leases to total assets | 55.2735% | 3,119 |
| Net loans and leases to deposits | 60.7612% | 3,431 |
| Net loans and leases to core deposits | 62.8904% | 3,508 |
| Total domestic deposits to total assets | 90.9685% | 407 |
| Equity capital to assets | 8.2110% | 4,358 |
| Core capital (leverage) ratio | 8.2838% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,633,000 | 4,297 |
| Average earning assets | $68,829,000 | 4,374 |
| Average equity | $6,671,500 | 4,562 |
| Average total loans | $44,697,500 | 4,196 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 489 |
| Cost of funding earning assets | 0.3434% | 3,906 |
| Net interest margin | 4.6551% | 240 |
| Noninterest income to average assets | 0.2121% | 4,220 |
| Noninterest expense to average assets | 3.5891% | 612 |
| Loan and lease loss provision to assets | 0.1708% | 2,249 |
| Net operating income to assets | 0.6087% | 3,724 |
| Return on assets (ROA) | 0.6087% | 3,843 |
| Pretax return on assets | 0.7093% | 3,864 |
| Return on Equity (ROE) | 6.9047% | 3,246 |
| Retained earnings to average equity (ytd only) | 6.2799% | 1,671 |
| Net charge-offs to loans | 0.0027% | 3,293 |
| Credit loss provision to net charge-offs | 12,400.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 639.0000% | 183 |
| Efficiency ratio | 80.3082% | 863 |
| Assets per employee ($millions) | 4.6541% | 3,759 |
| Cash dividends to net income (ytd only)* | 9.0498% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,131 |
| Loan loss allowance to noncurrent loans | 1,028.2051% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 4,093 |
| Noncurrent loans to loans | 0.0895% | 3,929 |
| Net loans and leases to total assets | 54.5564% | 3,439 |
| Net loans and leases to deposits | 60.0573% | 3,758 |
| Net loans and leases to core deposits | 62.2440% | 3,820 |
| Total domestic deposits to total assets | 90.8405% | 264 |
| Equity capital to assets | 8.3392% | 4,559 |
| Core capital (leverage) ratio | 8.2749% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,609,400 | 4,347 |
| Average earning assets | $66,400,200 | 4,347 |
| Average equity | $6,401,400 | 4,593 |
| Average total loans | $37,711,800 | 4,360 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 620 |
| Cost of funding earning assets | 0.3480% | 4,066 |
| Net interest margin | 4.6387% | 290 |
| Noninterest income to average assets | 0.1935% | 4,314 |
| Noninterest expense to average assets | 3.0129% | 1,417 |
| Loan and lease loss provision to assets | 0.0902% | 3,183 |
| Net operating income to assets | 0.9467% | 2,534 |
| Return on assets (ROA) | 0.9467% | 2,666 |
| Pretax return on assets | 1.3224% | 1,966 |
| Return on Equity (ROE) | 10.5787% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.1589% | 726 |
| Net charge-offs to loans | 0.0110% | 2,710 |
| Credit loss provision to net charge-offs | 1,600.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 250.6667% | 407 |
| Efficiency ratio | 68.0815% | 2,181 |
| Assets per employee ($millions) | 4.7672% | 3,517 |
| Cash dividends to net income (ytd only)* | 3.9683% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 4,319 |
| Loan loss allowance to noncurrent loans | 2,153.3333% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,379 |
| Noncurrent loans to loans | 0.0380% | 4,237 |
| Net loans and leases to total assets | 51.3432% | 4,013 |
| Net loans and leases to deposits | 56.8405% | 4,219 |
| Net loans and leases to core deposits | 58.9976% | 4,254 |
| Total domestic deposits to total assets | 90.3284% | 323 |
| Equity capital to assets | 8.7801% | 4,269 |
| Core capital (leverage) ratio | 8.6924% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,981,750 | 4,374 |
| Average earning assets | $64,758,250 | 4,391 |
| Average equity | $6,352,250 | 4,625 |
| Average total loans | $36,248,250 | 4,412 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 1,282 |
| Cost of funding earning assets | 0.3558% | 4,245 |
| Net interest margin | 4.3935% | 629 |
| Noninterest income to average assets | 0.2023% | 4,264 |
| Noninterest expense to average assets | 3.0975% | 1,361 |
| Loan and lease loss provision to assets | 0.1387% | 2,626 |
| Net operating income to assets | 0.7137% | 3,344 |
| Return on assets (ROA) | 0.7137% | 3,456 |
| Pretax return on assets | 0.9622% | 3,142 |
| Return on Equity (ROE) | 7.8905% | 2,792 |
| Retained earnings to average equity (ytd only) | 7.2516% | 1,556 |
| Net charge-offs to loans | 0.0057% | 2,760 |
| Credit loss provision to net charge-offs | 4,800.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 381.0000% | 270 |
| Efficiency ratio | 73.7784% | 1,484 |
| Assets per employee ($millions) | 4.4201% | 3,888 |
| Cash dividends to net income (ytd only)* | 8.0972% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 4,165 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 2,745 |
| Noncurrent loans to loans | 0.0659% | 4,210 |
| Net loans and leases to total assets | 53.2013% | 3,941 |
| Net loans and leases to deposits | 59.2884% | 4,152 |
| Net loans and leases to core deposits | 61.6056% | 4,187 |
| Total domestic deposits to total assets | 89.7330% | 480 |
| Equity capital to assets | 9.1075% | 3,990 |
| Core capital (leverage) ratio | 9.0056% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0769% | 893 |
| Memoranda: | ||
| Average total assets | $69,217,333 | 4,411 |
| Average earning assets | $62,956,000 | 4,423 |
| Average equity | $6,260,667 | 4,657 |
| Average total loans | $35,169,333 | 4,452 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 3,675 |
| Cost of funding earning assets | 0.3591% | 4,489 |
| Net interest margin | 3.6810% | 2,393 |
| Noninterest income to average assets | 0.2220% | 4,226 |
| Noninterest expense to average assets | 2.7927% | 2,449 |
| Loan and lease loss provision to assets | 0.1402% | 1,985 |
| Net operating income to assets | 0.7186% | 3,212 |
| Return on assets (ROA) | 0.7186% | 3,295 |
| Pretax return on assets | 0.6427% | 3,834 |
| Return on Equity (ROE) | 7.9734% | 2,529 |
| Retained earnings to average equity (ytd only) | 7.9734% | 1,240 |
| Net charge-offs to loans | 0.0118% | 2,157 |
| Credit loss provision to net charge-offs | 2,400.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 470 |
| Efficiency ratio | 78.1046% | 1,318 |
| Assets per employee ($millions) | 4.2043% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 4,188 |
| Loan loss allowance to noncurrent loans | 15,050.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 2,951 |
| Noncurrent loans to loans | 0.0058% | 4,554 |
| Net loans and leases to total assets | 50.4385% | 4,220 |
| Net loans and leases to deposits | 56.3811% | 4,353 |
| Net loans and leases to core deposits | 58.7037% | 4,409 |
| Total domestic deposits to total assets | 89.4601% | 484 |
| Equity capital to assets | 9.3165% | 4,377 |
| Core capital (leverage) ratio | 8.9505% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1362% | 847 |
| Memoranda: | ||
| Average total assets | $68,465,000 | 4,436 |
| Average earning assets | $62,374,500 | 4,445 |
| Average equity | $6,170,500 | 4,697 |
| Average total loans | $33,779,000 | 4,509 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 3,306 |
| Cost of funding earning assets | 0.3606% | 4,570 |
| Net interest margin | 4.0185% | 1,794 |
| Noninterest income to average assets | 0.2537% | 4,158 |
| Noninterest expense to average assets | 3.2171% | 1,483 |
| Loan and lease loss provision to assets | 0.0513% | 2,997 |
| Net operating income to assets | 0.5824% | 4,218 |
| Return on assets (ROA) | 0.5719% | 4,299 |
| Pretax return on assets | 0.6334% | 4,364 |
| Return on Equity (ROE) | 6.6187% | 3,702 |
| Retained earnings to average equity (ytd only) | 5.9229% | 1,907 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2031% | 788 |
| Assets per employee ($millions) | 4.3539% | 3,430 |
| Cash dividends to net income (ytd only)* | 10.5128% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 4,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 2,969 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 47.4434% | 4,450 |
| Net loans and leases to deposits | 52.6660% | 4,585 |
| Net loans and leases to core deposits | 54.7376% | 4,626 |
| Total domestic deposits to total assets | 90.0835% | 297 |
| Equity capital to assets | 8.7192% | 4,817 |
| Core capital (leverage) ratio | 8.1383% | 4,998 |
| Tier 1 risk-based capital ratio | 17.8546% | 1,796 |
| Total risk-based capital ratio | 18.7480% | 1,848 |
| Memoranda: | ||
| Average total assets | $68,198,200 | 4,460 |
| Average earning assets | $62,112,600 | 4,477 |
| Average equity | $5,892,400 | 4,770 |
| Average total loans | $30,687,400 | 4,626 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 3,211 |
| Cost of funding earning assets | 0.3584% | 4,633 |
| Net interest margin | 4.0896% | 1,646 |
| Noninterest income to average assets | 0.2241% | 4,391 |
| Noninterest expense to average assets | 2.8796% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8599% | 3,485 |
| Return on assets (ROA) | 0.8472% | 3,607 |
| Pretax return on assets | 1.0516% | 3,442 |
| Return on Equity (ROE) | 9.8281% | 2,500 |
| Retained earnings to average equity (ytd only) | 9.3722% | 937 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9582% | 1,703 |
| Assets per employee ($millions) | 4.3756% | 3,372 |
| Cash dividends to net income (ytd only)* | 4.6411% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 4,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 3,788 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 42.6510% | 4,735 |
| Net loans and leases to deposits | 47.2117% | 4,839 |
| Net loans and leases to core deposits | 49.2569% | 4,854 |
| Total domestic deposits to total assets | 90.3400% | 203 |
| Equity capital to assets | 8.7645% | 4,889 |
| Core capital (leverage) ratio | 8.3784% | 4,993 |
| Tier 1 risk-based capital ratio | 19.5365% | 1,451 |
| Total risk-based capital ratio | 20.3733% | 1,510 |
| Memoranda: | ||
| Average total assets | $67,832,250 | 4,520 |
| Average earning assets | $61,748,500 | 4,537 |
| Average equity | $5,847,000 | 4,840 |
| Average total loans | $30,027,250 | 4,702 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 3,574 |
| Cost of funding earning assets | 0.3566% | 4,663 |
| Net interest margin | 3.9651% | 2,036 |
| Noninterest income to average assets | 0.2235% | 4,406 |
| Noninterest expense to average assets | 2.8999% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7463% | 3,847 |
| Return on assets (ROA) | 0.7272% | 3,967 |
| Pretax return on assets | 0.9120% | 3,810 |
| Return on Equity (ROE) | 8.4860% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.7904% | 1,477 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6022% | 1,448 |
| Assets per employee ($millions) | 4.1691% | 3,623 |
| Cash dividends to net income (ytd only)* | 8.1967% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 4,443 |
| Loan loss allowance to noncurrent loans | 98.7805% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 1,888 |
| Noncurrent loans to loans | 0.8092% | 1,977 |
| Net loans and leases to total assets | 45.2110% | 4,676 |
| Net loans and leases to deposits | 50.1330% | 4,802 |
| Net loans and leases to core deposits | 51.5240% | 4,828 |
| Total domestic deposits to total assets | 90.1821% | 291 |
| Equity capital to assets | 8.9184% | 4,841 |
| Core capital (leverage) ratio | 8.4145% | 5,002 |
| Tier 1 risk-based capital ratio | 18.1262% | 1,774 |
| Total risk-based capital ratio | 18.9293% | 1,840 |
| Memoranda: | ||
| Average total assets | $67,106,330 | 4,564 |
| Average earning assets | $61,132,670 | 4,583 |
| Average equity | $5,750,670 | 4,880 |
| Average total loans | $30,002,000 | 4,735 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 3,844 |
| Cost of funding earning assets | 0.3569% | 4,654 |
| Net interest margin | 3.8478% | 2,351 |
| Noninterest income to average assets | 0.2021% | 4,548 |
| Noninterest expense to average assets | 3.0012% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7845% | 3,673 |
| Return on assets (ROA) | 0.7845% | 3,719 |
| Pretax return on assets | 0.7250% | 4,241 |
| Return on Equity (ROE) | 9.3427% | 2,652 |
| Retained earnings to average equity (ytd only) | 9.3427% | 1,210 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5423% | 1,006 |
| Assets per employee ($millions) | 4.1643% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 4,485 |
| Loan loss allowance to noncurrent loans | 163.0872% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 2,898 |
| Noncurrent loans to loans | 0.4977% | 2,819 |
| Net loans and leases to total assets | 44.5668% | 4,721 |
| Net loans and leases to deposits | 49.2920% | 4,838 |
| Net loans and leases to core deposits | 50.6559% | 4,872 |
| Total domestic deposits to total assets | 90.4139% | 314 |
| Equity capital to assets | 8.6570% | 4,898 |
| Core capital (leverage) ratio | 8.1326% | 5,166 |
| Tier 1 risk-based capital ratio | 18.1748% | 1,747 |
| Total risk-based capital ratio | 18.9928% | 1,828 |
| Memoranda: | ||
| Average total assets | $67,307,000 | 4,612 |
| Average earning assets | $61,645,000 | 4,623 |
| Average equity | $5,651,500 | 4,936 |
| Average total loans | $29,802,500 | 4,792 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,656 |
| Cost of funding earning assets | 0.3664% | 4,184 |
| Net interest margin | 3.3423% | 4,148 |
| Noninterest income to average assets | 0.2466% | 4,446 |
| Noninterest expense to average assets | 2.8725% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4035% | 4,856 |
| Return on assets (ROA) | 0.4022% | 4,851 |
| Pretax return on assets | 0.4521% | 4,872 |
| Return on Equity (ROE) | 5.0793% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.3378% | 3,155 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 508 |
| Assets per employee ($millions) | 4.2491% | 3,539 |
| Cash dividends to net income (ytd only)* | 14.5985% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 4,466 |
| Loan loss allowance to noncurrent loans | 540.0000% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 3,534 |
| Noncurrent loans to loans | 0.1517% | 4,062 |
| Net loans and leases to total assets | 43.2810% | 4,838 |
| Net loans and leases to deposits | 47.5771% | 4,941 |
| Net loans and leases to core deposits | 48.8568% | 4,971 |
| Total domestic deposits to total assets | 90.9702% | 213 |
| Equity capital to assets | 8.1414% | 5,114 |
| Core capital (leverage) ratio | 7.8109% | 5,278 |
| Tier 1 risk-based capital ratio | 17.7335% | 1,833 |
| Total risk-based capital ratio | 18.5454% | 1,917 |
| Memoranda: | ||
| Average total assets | $68,129,400 | 4,614 |
| Average earning assets | $62,770,400 | 4,611 |
| Average equity | $5,394,400 | 4,986 |
| Average total loans | $27,682,400 | 4,871 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 4,772 |
| Cost of funding earning assets | 0.3671% | 4,071 |
| Net interest margin | 3.2505% | 4,401 |
| Noninterest income to average assets | 0.2191% | 4,650 |
| Noninterest expense to average assets | 2.7482% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3948% | 4,968 |
| Return on assets (ROA) | 0.3931% | 4,972 |
| Pretax return on assets | 0.4655% | 4,951 |
| Return on Equity (ROE) | 5.0005% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.5031% | 3,495 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4623% | 546 |
| Assets per employee ($millions) | 4.6190% | 2,960 |
| Cash dividends to net income (ytd only)* | 9.9519% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 4,477 |
| Loan loss allowance to noncurrent loans | 1,012.5000% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 3,809 |
| Noncurrent loans to loans | 0.0835% | 4,503 |
| Net loans and leases to total assets | 41.1186% | 4,991 |
| Net loans and leases to deposits | 45.0198% | 5,084 |
| Net loans and leases to core deposits | 46.2004% | 5,104 |
| Total domestic deposits to total assets | 91.3343% | 160 |
| Equity capital to assets | 7.7751% | 5,245 |
| Core capital (leverage) ratio | 7.7339% | 5,363 |
| Tier 1 risk-based capital ratio | 16.7058% | 2,205 |
| Total risk-based capital ratio | 17.4765% | 2,310 |
| Memoranda: | ||
| Average total assets | $68,165,250 | 4,658 |
| Average earning assets | $62,840,500 | 4,657 |
| Average equity | $5,359,250 | 5,052 |
| Average total loans | $27,186,000 | 4,940 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4295% | 5,004 |
| Cost of funding earning assets | 0.3676% | 3,955 |
| Net interest margin | 3.0619% | 4,793 |
| Noninterest income to average assets | 0.2095% | 4,758 |
| Noninterest expense to average assets | 2.7732% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1947% | 5,237 |
| Return on assets (ROA) | 0.1947% | 5,229 |
| Pretax return on assets | 0.2626% | 5,194 |
| Return on Equity (ROE) | 2.4673% | 5,106 |
| Retained earnings to average equity (ytd only) | 1.7196% | 4,560 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3508% | 324 |
| Assets per employee ($millions) | 4.3485% | 3,355 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 4,450 |
| Loan loss allowance to noncurrent loans | 220.9091% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 3,837 |
| Noncurrent loans to loans | 0.3954% | 3,273 |
| Net loans and leases to total assets | 42.2763% | 4,975 |
| Net loans and leases to deposits | 46.4939% | 5,080 |
| Net loans and leases to core deposits | 49.1638% | 5,061 |
| Total domestic deposits to total assets | 90.9287% | 263 |
| Equity capital to assets | 8.1621% | 5,162 |
| Core capital (leverage) ratio | 7.8065% | 5,396 |
| Tier 1 risk-based capital ratio | 16.6099% | 2,222 |
| Total risk-based capital ratio | 17.3912% | 2,325 |
| Memoranda: | ||
| Average total assets | $67,792,000 | 4,719 |
| Average earning assets | $62,574,670 | 4,718 |
| Average equity | $5,350,000 | 5,101 |
| Average total loans | $26,670,670 | 5,004 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3125% | 5,124 |
| Cost of funding earning assets | 0.3639% | 3,882 |
| Net interest margin | 2.9486% | 4,960 |
| Noninterest income to average assets | 0.1969% | 4,842 |
| Noninterest expense to average assets | 2.4438% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4227% | 4,880 |
| Return on assets (ROA) | 0.4227% | 4,886 |
| Pretax return on assets | 0.4749% | 4,910 |
| Return on Equity (ROE) | 5.4447% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.4447% | 2,980 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7302% | 818 |
| Assets per employee ($millions) | 4.9104% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,210 |
| Loan loss allowance to noncurrent loans | 131.3514% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 3,665 |
| Noncurrent loans to loans | 0.7241% | 2,399 |
| Net loans and leases to total assets | 36.8114% | 5,182 |
| Net loans and leases to deposits | 40.2975% | 5,255 |
| Net loans and leases to core deposits | 42.4747% | 5,255 |
| Total domestic deposits to total assets | 91.3492% | 218 |
| Equity capital to assets | 7.7824% | 5,340 |
| Core capital (leverage) ratio | 7.6726% | 5,477 |
| Tier 1 risk-based capital ratio | 17.4031% | 2,004 |
| Total risk-based capital ratio | 18.2146% | 2,079 |
| Memoranda: | ||
| Average total assets | $69,074,000 | 4,751 |
| Average earning assets | $63,758,000 | 4,754 |
| Average equity | $5,363,000 | 5,155 |
| Average total loans | $26,096,500 | 5,073 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3046% | 5,076 |
| Cost of funding earning assets | 0.3726% | 3,491 |
| Net interest margin | 2.9321% | 5,001 |
| Noninterest income to average assets | 0.2219% | 4,820 |
| Noninterest expense to average assets | 2.3799% | 4,129 |
| Loan and lease loss provision to assets | 0.0300% | 3,678 |
| Net operating income to assets | 0.4561% | 4,508 |
| Return on assets (ROA) | 0.4574% | 4,533 |
| Pretax return on assets | 0.5279% | 4,882 |
| Return on Equity (ROE) | 5.7606% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.9862% | 2,134 |
| Net charge-offs to loans | 0.0083% | 3,788 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 185.5000% | 420 |
| Efficiency ratio | 81.0521% | 1,010 |
| Assets per employee ($millions) | 4.6269% | 2,986 |
| Cash dividends to net income (ytd only)* | 13.4426% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 4,406 |
| Loan loss allowance to noncurrent loans | 1,278.9474% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 5,011 |
| Noncurrent loans to loans | 0.0713% | 4,682 |
| Net loans and leases to total assets | 38.0401% | 5,220 |
| Net loans and leases to deposits | 41.6374% | 5,304 |
| Net loans and leases to core deposits | 43.8620% | 5,297 |
| Total domestic deposits to total assets | 91.3606% | 165 |
| Equity capital to assets | 7.7461% | 5,472 |
| Core capital (leverage) ratio | 7.7413% | 5,511 |
| Tier 1 risk-based capital ratio | 17.0698% | 2,065 |
| Total risk-based capital ratio | 17.8673% | 2,171 |
| Memoranda: | ||
| Average total assets | $66,683,000 | 4,833 |
| Average earning assets | $61,731,200 | 4,823 |
| Average equity | $5,294,600 | 5,222 |
| Average total loans | $24,116,800 | 5,186 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2799% | 5,139 |
| Cost of funding earning assets | 0.3775% | 3,399 |
| Net interest margin | 2.9024% | 5,083 |
| Noninterest income to average assets | 0.2242% | 4,874 |
| Noninterest expense to average assets | 2.3110% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5134% | 4,696 |
| Return on assets (ROA) | 0.5151% | 4,719 |
| Pretax return on assets | 0.6020% | 4,839 |
| Return on Equity (ROE) | 6.4462% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.9407% | 2,288 |
| Net charge-offs to loans | 0.0114% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 148.3109% | 542 |
| Efficiency ratio | 79.3893% | 1,172 |
| Assets per employee ($millions) | 4.6344% | 2,925 |
| Cash dividends to net income (ytd only)* | 7.8443% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 4,671 |
| Loan loss allowance to noncurrent loans | 227.5510% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 4,548 |
| Noncurrent loans to loans | 0.3849% | 3,574 |
| Net loans and leases to total assets | 36.3039% | 5,333 |
| Net loans and leases to deposits | 39.7922% | 5,425 |
| Net loans and leases to core deposits | 41.9247% | 5,422 |
| Total domestic deposits to total assets | 91.2337% | 138 |
| Equity capital to assets | 7.8802% | 5,548 |
| Core capital (leverage) ratio | 7.7966% | 5,571 |
| Tier 1 risk-based capital ratio | 18.0654% | 1,839 |
| Total risk-based capital ratio | 18.8352% | 1,922 |
| Memoranda: | ||
| Average total assets | $66,003,000 | 4,897 |
| Average earning assets | $61,097,250 | 4,888 |
| Average equity | $5,274,250 | 5,283 |
| Average total loans | $23,485,000 | 5,264 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1946% | 5,248 |
| Cost of funding earning assets | 0.3839% | 3,250 |
| Net interest margin | 2.8107% | 5,226 |
| Noninterest income to average assets | 0.1974% | 5,057 |
| Noninterest expense to average assets | 2.3754% | 4,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3491% | 5,100 |
| Return on assets (ROA) | 0.3517% | 5,114 |
| Pretax return on assets | 0.4226% | 5,138 |
| Return on Equity (ROE) | 4.3793% | 4,703 |
| Retained earnings to average equity (ytd only) | 3.6110% | 3,555 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9890% | 763 |
| Assets per employee ($millions) | 4.0598% | 3,861 |
| Cash dividends to net income (ytd only)* | 17.5439% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,502 |
| Loan loss allowance to noncurrent loans | 592.1053% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 4,971 |
| Noncurrent loans to loans | 0.1574% | 4,485 |
| Net loans and leases to total assets | 36.8095% | 5,348 |
| Net loans and leases to deposits | 40.8460% | 5,428 |
| Net loans and leases to core deposits | 43.4254% | 5,406 |
| Total domestic deposits to total assets | 90.1179% | 501 |
| Equity capital to assets | 8.2194% | 5,437 |
| Core capital (leverage) ratio | 7.9110% | 5,564 |
| Tier 1 risk-based capital ratio | 17.9596% | 1,864 |
| Total risk-based capital ratio | 18.7520% | 1,964 |
| Memoranda: | ||
| Average total assets | $64,832,000 | 4,957 |
| Average earning assets | $59,914,000 | 4,951 |
| Average equity | $5,206,330 | 5,327 |
| Average total loans | $22,826,670 | 5,324 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0494% | 5,410 |
| Cost of funding earning assets | 0.3795% | 3,209 |
| Net interest margin | 2.6699% | 5,422 |
| Noninterest income to average assets | 0.1853% | 5,166 |
| Noninterest expense to average assets | 2.2603% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3832% | 4,997 |
| Return on assets (ROA) | 0.3891% | 5,003 |
| Pretax return on assets | 0.4076% | 5,148 |
| Return on Equity (ROE) | 4.9027% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.9027% | 2,945 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9188% | 895 |
| Assets per employee ($millions) | 4.3897% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 4,352 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,355 |
| Noncurrent loans to loans | 0.0132% | 5,190 |
| Net loans and leases to total assets | 34.1970% | 5,462 |
| Net loans and leases to deposits | 37.4952% | 5,535 |
| Net loans and leases to core deposits | 39.8003% | 5,529 |
| Total domestic deposits to total assets | 91.2036% | 242 |
| Equity capital to assets | 7.9171% | 5,558 |
| Core capital (leverage) ratio | 7.9837% | 5,565 |
| Tier 1 risk-based capital ratio | 18.9298% | 1,631 |
| Total risk-based capital ratio | 19.7682% | 1,695 |
| Memoranda: | ||
| Average total assets | $64,770,000 | 5,011 |
| Average earning assets | $60,077,500 | 5,001 |
| Average equity | $5,140,000 | 5,391 |
| Average total loans | $22,172,500 | 5,400 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0568% | 5,449 |
| Cost of funding earning assets | 0.3236% | 3,806 |
| Net interest margin | 2.7332% | 5,379 |
| Noninterest income to average assets | 0.2049% | 5,186 |
| Noninterest expense to average assets | 2.6551% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1377% | 5,511 |
| Return on assets (ROA) | 0.1377% | 5,544 |
| Pretax return on assets | 0.0967% | 5,594 |
| Return on Equity (ROE) | 1.6127% | 5,469 |
| Retained earnings to average equity (ytd only) | 1.2287% | 4,797 |
| Net charge-offs to loans | 0.0095% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,445 |
| Efficiency ratio | 96.4860% | 296 |
| Assets per employee ($millions) | 3.7468% | 4,399 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 4,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 33.5631% | 5,556 |
| Net loans and leases to deposits | 36.8326% | 5,625 |
| Net loans and leases to core deposits | 39.0459% | 5,619 |
| Total domestic deposits to total assets | 91.1233% | 242 |
| Equity capital to assets | 7.9551% | 5,584 |
| Core capital (leverage) ratio | 8.0459% | 5,598 |
| Tier 1 risk-based capital ratio | 19.5001% | 1,477 |
| Total risk-based capital ratio | 20.3720% | 1,530 |
| Memoranda: | ||
| Average total assets | $61,013,600 | 5,117 |
| Average earning assets | $56,857,400 | 5,109 |
| Average equity | $5,208,800 | 5,431 |
| Average total loans | $20,984,400 | 5,489 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 5,549 |
| Cost of funding earning assets | 0.3054% | 4,039 |
| Net interest margin | 2.7182% | 5,473 |
| Noninterest income to average assets | 0.1989% | 5,271 |
| Noninterest expense to average assets | 2.6426% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1061% | 5,617 |
| Return on assets (ROA) | 0.1105% | 5,667 |
| Pretax return on assets | 0.0972% | 5,681 |
| Return on Equity (ROE) | 1.2713% | 5,609 |
| Retained earnings to average equity (ytd only) | 1.2713% | 5,004 |
| Net charge-offs to loans | 0.0128% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.9738% | 1,838 |
| Efficiency ratio | 96.6074% | 297 |
| Assets per employee ($millions) | 3.8088% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 31.4857% | 5,692 |
| Net loans and leases to deposits | 34.6482% | 5,747 |
| Net loans and leases to core deposits | 36.6983% | 5,744 |
| Total domestic deposits to total assets | 90.8726% | 219 |
| Equity capital to assets | 8.2069% | 5,668 |
| Core capital (leverage) ratio | 8.1565% | 5,605 |
| Tier 1 risk-based capital ratio | 20.1699% | 1,414 |
| Total risk-based capital ratio | 21.0671% | 1,445 |
| Memoranda: | ||
| Average total assets | $60,343,250 | 5,181 |
| Average earning assets | $56,311,250 | 5,163 |
| Average equity | $5,244,250 | 5,479 |
| Average total loans | $20,829,750 | 5,548 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0534% | 5,594 |
| Cost of funding earning assets | 0.3064% | 4,054 |
| Net interest margin | 2.7469% | 5,507 |
| Noninterest income to average assets | 0.2072% | 5,254 |
| Noninterest expense to average assets | 2.7618% | 3,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0170% | 5,754 |
| Return on assets (ROA) | 0.0238% | 5,781 |
| Pretax return on assets | 0.0102% | 5,786 |
| Return on Equity (ROE) | 0.2681% | 5,771 |
| Retained earnings to average equity (ytd only) | 0.2681% | 5,219 |
| Net charge-offs to loans | 0.0383% | 2,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 3,536 |
| Efficiency ratio | 99.8771% | 247 |
| Assets per employee ($millions) | 3.4658% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 4,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 35.0979% | 5,641 |
| Net loans and leases to deposits | 38.9707% | 5,722 |
| Net loans and leases to core deposits | 41.5458% | 5,695 |
| Total domestic deposits to total assets | 90.0625% | 468 |
| Equity capital to assets | 8.9412% | 5,285 |
| Core capital (leverage) ratio | 8.5871% | 5,278 |
| Tier 1 risk-based capital ratio | 20.2880% | 1,389 |
| Total risk-based capital ratio | 21.1849% | 1,431 |
| Memoranda: | ||
| Average total assets | $58,874,330 | 5,265 |
| Average earning assets | $54,824,670 | 5,256 |
| Average equity | $5,221,000 | 5,540 |
| Average total loans | $20,902,330 | 5,602 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0134% | 5,680 |
| Cost of funding earning assets | 0.2999% | 4,164 |
| Net interest margin | 2.7136% | 5,599 |
| Noninterest income to average assets | 0.2039% | 5,279 |
| Noninterest expense to average assets | 2.7255% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0408% | 5,757 |
| Return on assets (ROA) | 0.0476% | 5,782 |
| Pretax return on assets | 0.0068% | 5,804 |
| Return on Equity (ROE) | 0.5387% | 5,763 |
| Retained earnings to average equity (ytd only) | 0.5387% | 4,981 |
| Net charge-offs to loans | 0.1722% | 1,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,977 |
| Efficiency ratio | 100.0000% | 288 |
| Assets per employee ($millions) | 3.6632% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 4,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 35.6025% | 5,653 |
| Net loans and leases to deposits | 39.5373% | 5,730 |
| Net loans and leases to core deposits | 41.9083% | 5,717 |
| Total domestic deposits to total assets | 90.0479% | 581 |
| Equity capital to assets | 8.9352% | 5,235 |
| Core capital (leverage) ratio | 8.9103% | 4,955 |
| Tier 1 risk-based capital ratio | 20.7887% | 1,347 |
| Total risk-based capital ratio | 21.6768% | 1,392 |
| Memoranda: | ||
| Average total assets | $58,852,500 | 5,314 |
| Average earning assets | $54,688,500 | 5,302 |
| Average equity | $5,197,500 | 5,584 |
| Average total loans | $20,902,500 | 5,650 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9963% | 5,731 |
| Cost of funding earning assets | 0.3009% | 4,239 |
| Net interest margin | 2.6954% | 5,648 |
| Noninterest income to average assets | 0.2369% | 5,177 |
| Noninterest expense to average assets | 2.5870% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1595% | 5,659 |
| Return on assets (ROA) | 0.1545% | 5,715 |
| Pretax return on assets | 0.1579% | 5,745 |
| Return on Equity (ROE) | 1.7756% | 5,628 |
| Retained earnings to average equity (ytd only) | 0.7720% | 5,213 |
| Net charge-offs to loans | 0.0049% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 590 |
| Efficiency ratio | 94.0745% | 479 |
| Assets per employee ($millions) | 3.9396% | 4,047 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 4,078 |
| Loan loss allowance to noncurrent loans | 908.0000% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 5,399 |
| Noncurrent loans to loans | 0.1207% | 5,011 |
| Net loans and leases to total assets | 34.6786% | 5,752 |
| Net loans and leases to deposits | 38.4210% | 5,826 |
| Net loans and leases to core deposits | 40.6938% | 5,799 |
| Total domestic deposits to total assets | 90.2596% | 521 |
| Equity capital to assets | 8.7285% | 5,365 |
| Core capital (leverage) ratio | 8.6393% | 5,292 |
| Tier 1 risk-based capital ratio | 21.0744% | 1,287 |
| Total risk-based capital ratio | 22.0132% | 1,313 |
| Memoranda: | ||
| Average total assets | $59,528,000 | 5,331 |
| Average earning assets | $55,501,400 | 5,308 |
| Average equity | $5,181,400 | 5,615 |
| Average total loans | $20,213,600 | 5,715 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9705% | 5,832 |
| Cost of funding earning assets | 0.2975% | 4,368 |
| Net interest margin | 2.6730% | 5,756 |
| Noninterest income to average assets | 0.2213% | 5,329 |
| Noninterest expense to average assets | 2.4615% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2320% | 5,613 |
| Return on assets (ROA) | 0.2258% | 5,695 |
| Pretax return on assets | 0.2437% | 5,731 |
| Return on Equity (ROE) | 2.5960% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.0820% | 4,840 |
| Net charge-offs to loans | 0.0066% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 112.2782% | 569 |
| Efficiency ratio | 90.7667% | 645 |
| Assets per employee ($millions) | 4.0186% | 3,847 |
| Cash dividends to net income (ytd only)* | 19.8054% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 4,164 |
| Loan loss allowance to noncurrent loans | 782.7586% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 5,484 |
| Noncurrent loans to loans | 0.1419% | 5,067 |
| Net loans and leases to total assets | 33.5324% | 5,878 |
| Net loans and leases to deposits | 37.1167% | 5,953 |
| Net loans and leases to core deposits | 39.2592% | 5,939 |
| Total domestic deposits to total assets | 90.3432% | 449 |
| Equity capital to assets | 8.7012% | 5,575 |
| Core capital (leverage) ratio | 8.6296% | 5,432 |
| Tier 1 risk-based capital ratio | 21.5045% | 1,267 |
| Total risk-based capital ratio | 22.4548% | 1,292 |
| Memoranda: | ||
| Average total assets | $59,636,500 | 5,396 |
| Average earning assets | $55,567,250 | 5,370 |
| Average equity | $5,187,250 | 5,675 |
| Average total loans | $20,087,000 | 5,790 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9880% | 5,870 |
| Cost of funding earning assets | 0.2930% | 4,469 |
| Net interest margin | 2.6950% | 5,769 |
| Noninterest income to average assets | 0.2221% | 5,375 |
| Noninterest expense to average assets | 2.4873% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1877% | 5,725 |
| Return on assets (ROA) | 0.1851% | 5,788 |
| Pretax return on assets | 0.2390% | 5,760 |
| Return on Equity (ROE) | 2.1285% | 5,650 |
| Retained earnings to average equity (ytd only) | 1.3545% | 5,006 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1221% | 679 |
| Assets per employee ($millions) | 4.1353% | 3,599 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 4,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 5,811 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 34.7584% | 5,872 |
| Net loans and leases to deposits | 38.9384% | 5,941 |
| Net loans and leases to core deposits | 41.5301% | 5,916 |
| Total domestic deposits to total assets | 89.2649% | 1,018 |
| Equity capital to assets | 8.9042% | 5,338 |
| Core capital (leverage) ratio | 8.6862% | 5,336 |
| Tier 1 risk-based capital ratio | 21.2028% | 1,323 |
| Total risk-based capital ratio | 22.1523% | 1,352 |
| Memoranda: | ||
| Average total assets | $59,422,330 | 5,462 |
| Average earning assets | $55,288,330 | 5,431 |
| Average equity | $5,168,000 | 5,736 |
| Average total loans | $19,969,330 | 5,849 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8458% | 6,037 |
| Cost of funding earning assets | 0.2917% | 4,533 |
| Net interest margin | 2.5541% | 5,969 |
| Noninterest income to average assets | 0.2260% | 5,337 |
| Noninterest expense to average assets | 2.5388% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0798% | 5,913 |
| Return on assets (ROA) | 0.0731% | 5,974 |
| Pretax return on assets | 0.0665% | 5,983 |
| Return on Equity (ROE) | 0.8503% | 5,941 |
| Retained earnings to average equity (ytd only) | 0.8503% | 5,120 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2010% | 460 |
| Assets per employee ($millions) | 4.2924% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 4,208 |
| Loan loss allowance to noncurrent loans | 1,341.1765% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 5,825 |
| Noncurrent loans to loans | 0.0865% | 5,436 |
| Net loans and leases to total assets | 32.3432% | 5,989 |
| Net loans and leases to deposits | 35.7792% | 6,062 |
| Net loans and leases to core deposits | 37.8471% | 6,043 |
| Total domestic deposits to total assets | 90.3966% | 567 |
| Equity capital to assets | 8.6533% | 5,610 |
| Core capital (leverage) ratio | 8.4501% | 5,576 |
| Tier 1 risk-based capital ratio | 21.5957% | 1,304 |
| Total risk-based capital ratio | 22.5674% | 1,338 |
| Memoranda: | ||
| Average total assets | $60,186,500 | 5,498 |
| Average earning assets | $56,222,500 | 5,462 |
| Average equity | $5,174,500 | 5,788 |
| Average total loans | $19,778,500 | 5,906 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0578% | 6,002 |
| Cost of funding earning assets | 0.2936% | 4,857 |
| Net interest margin | 2.7642% | 5,860 |
| Noninterest income to average assets | 0.2274% | 5,497 |
| Noninterest expense to average assets | 2.6449% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1568% | 5,857 |
| Return on assets (ROA) | 0.1568% | 5,907 |
| Pretax return on assets | 0.1620% | 5,924 |
| Return on Equity (ROE) | 1.7993% | 5,818 |
| Retained earnings to average equity (ytd only) | 0.9887% | 5,332 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2296% | 585 |
| Assets per employee ($millions) | 4.0187% | 3,914 |
| Cash dividends to net income (ytd only)* | 45.0549% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 4,300 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 5,964 |
| Noncurrent loans to loans | 0.0603% | 5,638 |
| Net loans and leases to total assets | 32.6228% | 6,094 |
| Net loans and leases to deposits | 36.0317% | 6,173 |
| Net loans and leases to core deposits | 38.1852% | 6,143 |
| Total domestic deposits to total assets | 90.5392% | 527 |
| Equity capital to assets | 8.5418% | 5,709 |
| Core capital (leverage) ratio | 8.6000% | 5,446 |
| Tier 1 risk-based capital ratio | 21.0482% | 1,395 |
| Total risk-based capital ratio | 21.9974% | 1,434 |
| Memoranda: | ||
| Average total assets | $58,035,800 | 5,600 |
| Average earning assets | $54,156,400 | 5,565 |
| Average equity | $5,057,400 | 5,843 |
| Average total loans | $19,245,400 | 5,990 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0577% | 6,080 |
| Cost of funding earning assets | 0.2936% | 4,940 |
| Net interest margin | 2.7641% | 5,913 |
| Noninterest income to average assets | 0.2320% | 5,543 |
| Noninterest expense to average assets | 2.6214% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1369% | 5,968 |
| Return on assets (ROA) | 0.1369% | 6,001 |
| Pretax return on assets | 0.1879% | 5,967 |
| Return on Equity (ROE) | 1.5624% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.0329% | 5,472 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3113% | 630 |
| Assets per employee ($millions) | 4.0325% | 3,806 |
| Cash dividends to net income (ytd only)* | 33.9054% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 4,385 |
| Loan loss allowance to noncurrent loans | 393.1034% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 5,779 |
| Noncurrent loans to loans | 0.2977% | 5,012 |
| Net loans and leases to total assets | 31.8344% | 6,189 |
| Net loans and leases to deposits | 35.1265% | 6,268 |
| Net loans and leases to core deposits | 37.2183% | 6,255 |
| Total domestic deposits to total assets | 90.6279% | 480 |
| Equity capital to assets | 8.4480% | 5,836 |
| Core capital (leverage) ratio | 8.6497% | 5,498 |
| Tier 1 risk-based capital ratio | 20.4558% | 1,564 |
| Total risk-based capital ratio | 21.3805% | 1,606 |
| Memoranda: | ||
| Average total assets | $57,474,750 | 5,676 |
| Average earning assets | $53,590,000 | 5,645 |
| Average equity | $5,034,500 | 5,908 |
| Average total loans | $19,083,500 | 6,062 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1611% | 5,993 |
| Cost of funding earning assets | 0.2926% | 5,037 |
| Net interest margin | 2.8686% | 5,787 |
| Noninterest income to average assets | 0.2302% | 5,554 |
| Noninterest expense to average assets | 2.7129% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1381% | 5,975 |
| Return on assets (ROA) | 0.1381% | 6,012 |
| Pretax return on assets | 0.1913% | 5,960 |
| Return on Equity (ROE) | 1.5571% | 5,939 |
| Retained earnings to average equity (ytd only) | 0.7586% | 5,438 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4146% | 674 |
| Assets per employee ($millions) | 3.6875% | 4,472 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 4,497 |
| Loan loss allowance to noncurrent loans | 196.5517% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 5,494 |
| Noncurrent loans to loans | 0.6028% | 4,218 |
| Net loans and leases to total assets | 34.3777% | 6,133 |
| Net loans and leases to deposits | 38.2319% | 6,219 |
| Net loans and leases to core deposits | 40.5333% | 6,205 |
| Total domestic deposits to total assets | 89.9190% | 849 |
| Equity capital to assets | 9.1011% | 5,205 |
| Core capital (leverage) ratio | 8.9650% | 5,072 |
| Tier 1 risk-based capital ratio | 21.0951% | 1,431 |
| Total risk-based capital ratio | 22.0524% | 1,468 |
| Memoranda: | ||
| Average total assets | $56,470,330 | 5,749 |
| Average earning assets | $52,639,670 | 5,714 |
| Average equity | $5,009,330 | 5,954 |
| Average total loans | $18,950,000 | 6,115 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1202% | 6,094 |
| Cost of funding earning assets | 0.2857% | 5,212 |
| Net interest margin | 2.8345% | 5,874 |
| Noninterest income to average assets | 0.2244% | 5,558 |
| Noninterest expense to average assets | 2.9308% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0631% | 6,258 |
| Return on assets (ROA) | -0.0631% | 6,266 |
| Pretax return on assets | -0.0631% | 6,257 |
| Return on Equity (ROE) | -0.7204% | 6,275 |
| Retained earnings to average equity (ytd only) | -0.7204% | 5,681 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2005% | 421 |
| Assets per employee ($millions) | 3.5971% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 4,626 |
| Loan loss allowance to noncurrent loans | 321.1268% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 5,842 |
| Noncurrent loans to loans | 0.3745% | 5,003 |
| Net loans and leases to total assets | 32.5434% | 6,245 |
| Net loans and leases to deposits | 35.9964% | 6,317 |
| Net loans and leases to core deposits | 38.0567% | 6,311 |
| Total domestic deposits to total assets | 90.4073% | 855 |
| Equity capital to assets | 8.6354% | 5,510 |
| Core capital (leverage) ratio | 8.9090% | 5,125 |
| Tier 1 risk-based capital ratio | 20.8941% | 1,489 |
| Total risk-based capital ratio | 21.8477% | 1,530 |
| Memoranda: | ||
| Average total assets | $57,049,500 | 5,788 |
| Average earning assets | $53,202,500 | 5,756 |
| Average equity | $4,997,000 | 5,999 |
| Average total loans | $18,803,500 | 6,185 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1225% | 6,217 |
| Cost of funding earning assets | 0.3130% | 5,488 |
| Net interest margin | 2.8095% | 5,963 |
| Noninterest income to average assets | 0.2500% | 5,559 |
| Noninterest expense to average assets | 2.7007% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2203% | 5,777 |
| Return on assets (ROA) | 0.2203% | 5,834 |
| Pretax return on assets | 0.1696% | 5,991 |
| Return on Equity (ROE) | 2.5073% | 5,673 |
| Retained earnings to average equity (ytd only) | 1.6914% | 5,028 |
| Net charge-offs to loans | 0.0649% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.0833% | 2,733 |
| Efficiency ratio | 94.0926% | 744 |
| Assets per employee ($millions) | 3.5341% | 4,836 |
| Cash dividends to net income (ytd only)* | 32.5397% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 4,533 |
| Loan loss allowance to noncurrent loans | 76.2542% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 4,158 |
| Noncurrent loans to loans | 1.6033% | 2,503 |
| Net loans and leases to total assets | 32.5776% | 6,359 |
| Net loans and leases to deposits | 36.1224% | 6,421 |
| Net loans and leases to core deposits | 38.2289% | 6,408 |
| Total domestic deposits to total assets | 90.1866% | 980 |
| Equity capital to assets | 8.8850% | 5,163 |
| Core capital (leverage) ratio | 8.9262% | 5,114 |
| Tier 1 risk-based capital ratio | 21.9277% | 1,272 |
| Total risk-based capital ratio | 22.9266% | 1,286 |
| Memoranda: | ||
| Average total assets | $57,207,600 | 5,829 |
| Average earning assets | $53,354,400 | 5,791 |
| Average equity | $5,025,400 | 6,058 |
| Average total loans | $18,498,200 | 6,272 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1014% | 6,317 |
| Cost of funding earning assets | 0.3164% | 5,588 |
| Net interest margin | 2.7850% | 6,040 |
| Noninterest income to average assets | 0.2556% | 5,610 |
| Noninterest expense to average assets | 2.7399% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1116% | 6,115 |
| Return on assets (ROA) | 0.1116% | 6,180 |
| Pretax return on assets | 0.1139% | 6,199 |
| Return on Equity (ROE) | 1.2734% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.7428% | 5,678 |
| Net charge-offs to loans | 0.0867% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.0831% | 3,543 |
| Efficiency ratio | 96.0098% | 621 |
| Assets per employee ($millions) | 3.7480% | 4,354 |
| Cash dividends to net income (ytd only)* | 41.6719% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,702 |
| Loan loss allowance to noncurrent loans | 80.2817% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 4,423 |
| Noncurrent loans to loans | 1.5408% | 2,854 |
| Net loans and leases to total assets | 32.3799% | 6,433 |
| Net loans and leases to deposits | 35.9089% | 6,513 |
| Net loans and leases to core deposits | 38.2284% | 6,493 |
| Total domestic deposits to total assets | 90.1725% | 907 |
| Equity capital to assets | 8.8243% | 5,394 |
| Core capital (leverage) ratio | 8.5089% | 5,760 |
| Tier 1 risk-based capital ratio | 21.8686% | 1,341 |
| Total risk-based capital ratio | 22.8763% | 1,356 |
| Memoranda: | ||
| Average total assets | $57,373,250 | 5,892 |
| Average earning assets | $53,523,750 | 5,837 |
| Average equity | $5,025,750 | 6,129 |
| Average total loans | $18,460,500 | 6,338 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0405% | 6,405 |
| Cost of funding earning assets | 0.3193% | 5,667 |
| Net interest margin | 2.7212% | 6,143 |
| Noninterest income to average assets | 0.2562% | 5,618 |
| Noninterest expense to average assets | 2.7113% | 3,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0589% | 6,225 |
| Return on assets (ROA) | 0.0589% | 6,303 |
| Pretax return on assets | 0.0831% | 6,258 |
| Return on Equity (ROE) | 0.6736% | 6,278 |
| Retained earnings to average equity (ytd only) | -0.1189% | 5,877 |
| Net charge-offs to loans | 0.1299% | 3,074 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,852 |
| Efficiency ratio | 97.0260% | 615 |
| Assets per employee ($millions) | 3.7298% | 4,348 |
| Cash dividends to net income (ytd only)* | 117.6471% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 4,837 |
| Loan loss allowance to noncurrent loans | 75.7475% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 4,568 |
| Noncurrent loans to loans | 1.6229% | 2,874 |
| Net loans and leases to total assets | 32.7435% | 6,476 |
| Net loans and leases to deposits | 36.3069% | 6,545 |
| Net loans and leases to core deposits | 38.6575% | 6,517 |
| Total domestic deposits to total assets | 90.1854% | 928 |
| Equity capital to assets | 8.8512% | 5,386 |
| Core capital (leverage) ratio | 8.7860% | 5,311 |
| Tier 1 risk-based capital ratio | 21.3411% | 1,411 |
| Total risk-based capital ratio | 22.3307% | 1,443 |
| Memoranda: | ||
| Average total assets | $57,757,670 | 5,922 |
| Average earning assets | $53,872,330 | 5,865 |
| Average equity | $5,047,330 | 6,168 |
| Average total loans | $18,470,000 | 6,377 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9513% | 6,564 |
| Cost of funding earning assets | 0.3214% | 5,795 |
| Net interest margin | 2.6298% | 6,332 |
| Noninterest income to average assets | 0.2455% | 5,704 |
| Noninterest expense to average assets | 2.7684% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0205% | 6,311 |
| Return on assets (ROA) | 0.0205% | 6,390 |
| Pretax return on assets | -0.0682% | 6,456 |
| Return on Equity (ROE) | 0.2355% | 6,385 |
| Retained earnings to average equity (ytd only) | 0.2355% | 5,708 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5253% | 472 |
| Assets per employee ($millions) | 3.8097% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 4,771 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 5,667 |
| Noncurrent loans to loans | 0.5470% | 5,073 |
| Net loans and leases to total assets | 32.2105% | 6,507 |
| Net loans and leases to deposits | 35.7390% | 6,581 |
| Net loans and leases to core deposits | 38.2412% | 6,553 |
| Total domestic deposits to total assets | 90.1270% | 971 |
| Equity capital to assets | 8.9385% | 5,568 |
| Core capital (leverage) ratio | 8.4655% | 5,634 |
| Tier 1 risk-based capital ratio | 21.2363% | 1,481 |
| Total risk-based capital ratio | 22.2716% | 1,503 |
| Memoranda: | ||
| Average total assets | $58,663,000 | 5,943 |
| Average earning assets | $54,756,000 | 5,884 |
| Average equity | $5,095,000 | 6,221 |
| Average total loans | $18,431,500 | 6,432 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 6,169 |
| Cost of funding earning assets | 0.4800% | 5,349 |
| Net interest margin | 3.1497% | 5,693 |
| Noninterest income to average assets | 0.3042% | 5,268 |
| Noninterest expense to average assets | 3.0648% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2353% | 5,684 |
| Return on assets (ROA) | 0.2353% | 5,879 |
| Pretax return on assets | 0.1645% | 6,043 |
| Return on Equity (ROE) | 2.4388% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.6259% | 5,054 |
| Net charge-offs to loans | 0.1192% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3.9091% | 3,550 |
| Efficiency ratio | 94.9052% | 756 |
| Assets per employee ($millions) | 4.0120% | 3,921 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,539 |
| Loan loss allowance to noncurrent loans | 206.8966% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 5,747 |
| Noncurrent loans to loans | 0.6368% | 4,925 |
| Net loans and leases to total assets | 29.8704% | 6,706 |
| Net loans and leases to deposits | 32.9557% | 6,760 |
| Net loans and leases to core deposits | 35.4990% | 6,737 |
| Total domestic deposits to total assets | 90.6381% | 644 |
| Equity capital to assets | 8.4447% | 6,090 |
| Core capital (leverage) ratio | 8.7131% | 5,310 |
| Tier 1 risk-based capital ratio | 21.5364% | 1,350 |
| Total risk-based capital ratio | 22.5870% | 1,366 |
| Memoranda: | ||
| Average total assets | $52,270,200 | 6,143 |
| Average earning assets | $48,544,200 | 6,099 |
| Average equity | $5,043,400 | 6,276 |
| Average total loans | $18,459,800 | 6,489 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 5,998 |
| Cost of funding earning assets | 0.5176% | 5,328 |
| Net interest margin | 3.2944% | 5,410 |
| Noninterest income to average assets | 0.3234% | 5,196 |
| Noninterest expense to average assets | 3.0965% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3102% | 5,584 |
| Return on assets (ROA) | 0.3102% | 5,788 |
| Pretax return on assets | 0.2810% | 5,993 |
| Return on Equity (ROE) | 3.0991% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.5693% | 5,027 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6797% | 907 |
| Assets per employee ($millions) | 3.5453% | 4,857 |
| Cash dividends to net income (ytd only)* | 17.0962% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 4,543 |
| Loan loss allowance to noncurrent loans | 123.5849% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 5,697 |
| Noncurrent loans to loans | 1.0995% | 4,227 |
| Net loans and leases to total assets | 35.7653% | 6,564 |
| Net loans and leases to deposits | 40.0396% | 6,672 |
| Net loans and leases to core deposits | 44.1228% | 6,593 |
| Total domestic deposits to total assets | 89.3249% | 1,226 |
| Equity capital to assets | 9.6089% | 5,046 |
| Core capital (leverage) ratio | 9.5484% | 4,199 |
| Tier 1 risk-based capital ratio | 22.0057% | 1,328 |
| Total risk-based capital ratio | 23.1740% | 1,320 |
| Memoranda: | ||
| Average total assets | $50,292,750 | 6,275 |
| Average earning assets | $46,623,750 | 6,235 |
| Average equity | $5,033,750 | 6,352 |
| Average total loans | $18,520,750 | 6,575 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 5,983 |
| Cost of funding earning assets | 0.5386% | 5,378 |
| Net interest margin | 3.3324% | 5,340 |
| Noninterest income to average assets | 0.3406% | 5,105 |
| Noninterest expense to average assets | 3.1786% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3041% | 5,605 |
| Return on assets (ROA) | 0.3041% | 5,808 |
| Pretax return on assets | 0.2473% | 6,062 |
| Return on Equity (ROE) | 2.9950% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.1963% | 5,094 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7811% | 878 |
| Assets per employee ($millions) | 3.2581% | 5,541 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 4,449 |
| Loan loss allowance to noncurrent loans | 201.5385% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 6,075 |
| Noncurrent loans to loans | 0.6968% | 5,110 |
| Net loans and leases to total assets | 37.6391% | 6,509 |
| Net loans and leases to deposits | 42.4945% | 6,626 |
| Net loans and leases to core deposits | 47.2818% | 6,499 |
| Total domestic deposits to total assets | 88.5742% | 1,772 |
| Equity capital to assets | 10.3311% | 3,903 |
| Core capital (leverage) ratio | 9.9500% | 3,488 |
| Tier 1 risk-based capital ratio | 22.3190% | 1,229 |
| Total risk-based capital ratio | 23.5141% | 1,223 |
| Memoranda: | ||
| Average total assets | $49,330,330 | 6,337 |
| Average earning assets | $45,673,000 | 6,296 |
| Average equity | $5,008,330 | 6,391 |
| Average total loans | $18,267,000 | 6,632 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 5,767 |
| Cost of funding earning assets | 0.5410% | 5,550 |
| Net interest margin | 3.4553% | 4,889 |
| Noninterest income to average assets | 0.3471% | 5,082 |
| Noninterest expense to average assets | 3.4544% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3471% | 5,489 |
| Return on assets (ROA) | 0.3471% | 5,662 |
| Pretax return on assets | 0.0888% | 6,397 |
| Return on Equity (ROE) | 3.4483% | 5,533 |
| Retained earnings to average equity (ytd only) | 3.4483% | 4,509 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4943% | 658 |
| Assets per employee ($millions) | 3.2830% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 4,478 |
| Loan loss allowance to noncurrent loans | 189.8551% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 6,159 |
| Noncurrent loans to loans | 0.7523% | 5,156 |
| Net loans and leases to total assets | 36.7164% | 6,578 |
| Net loans and leases to deposits | 41.3715% | 6,687 |
| Net loans and leases to core deposits | 45.6084% | 6,593 |
| Total domestic deposits to total assets | 88.7481% | 1,851 |
| Equity capital to assets | 10.1980% | 3,854 |
| Core capital (leverage) ratio | 9.9624% | 3,405 |
| Tier 1 risk-based capital ratio | 22.6833% | 1,177 |
| Total risk-based capital ratio | 23.9009% | 1,162 |
| Memoranda: | ||
| Average total assets | $49,559,500 | 6,382 |
| Average earning assets | $45,842,500 | 6,332 |
| Average equity | $4,988,000 | 6,431 |
| Average total loans | $18,072,000 | 6,706 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 5,976 |
| Cost of funding earning assets | 0.6659% | 5,735 |
| Net interest margin | 3.5644% | 4,872 |
| Noninterest income to average assets | 0.3279% | 5,197 |
| Noninterest expense to average assets | 3.2582% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2590% | 5,403 |
| Return on assets (ROA) | 0.2590% | 5,546 |
| Pretax return on assets | 0.2673% | 5,640 |
| Return on Equity (ROE) | 2.5596% | 5,456 |
| Retained earnings to average equity (ytd only) | 1.5275% | 5,125 |
| Net charge-offs to loans | -0.0161% | 6,933 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4171% | 1,020 |
| Assets per employee ($millions) | 3.1171% | 5,867 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 4,141 |
| Loan loss allowance to noncurrent loans | 111.9658% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 5,766 |
| Noncurrent loans to loans | 1.3145% | 4,178 |
| Net loans and leases to total assets | 35.1666% | 6,806 |
| Net loans and leases to deposits | 39.5192% | 6,907 |
| Net loans and leases to core deposits | 44.3161% | 6,801 |
| Total domestic deposits to total assets | 88.9862% | 1,546 |
| Equity capital to assets | 9.9330% | 4,250 |
| Core capital (leverage) ratio | 9.5768% | 3,907 |
| Tier 1 risk-based capital ratio | 22.4553% | 1,175 |
| Total risk-based capital ratio | 23.6714% | 1,152 |
| Memoranda: | ||
| Average total assets | $47,879,400 | 6,429 |
| Average earning assets | $42,952,200 | 6,424 |
| Average equity | $4,844,600 | 6,495 |
| Average total loans | $18,653,000 | 6,725 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 5,769 |
| Cost of funding earning assets | 0.6925% | 5,813 |
| Net interest margin | 3.6585% | 4,534 |
| Noninterest income to average assets | 0.3067% | 5,405 |
| Noninterest expense to average assets | 3.2980% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2786% | 5,475 |
| Return on assets (ROA) | 0.2786% | 5,636 |
| Pretax return on assets | 0.2645% | 5,783 |
| Return on Equity (ROE) | 2.7402% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.7402% | 4,716 |
| Net charge-offs to loans | -0.0212% | 6,922 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5750% | 990 |
| Assets per employee ($millions) | 3.1679% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 4,339 |
| Loan loss allowance to noncurrent loans | 163.7500% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 6,248 |
| Noncurrent loans to loans | 0.8844% | 5,089 |
| Net loans and leases to total assets | 35.1767% | 6,904 |
| Net loans and leases to deposits | 39.5055% | 6,990 |
| Net loans and leases to core deposits | 44.4882% | 6,904 |
| Total domestic deposits to total assets | 89.0426% | 1,410 |
| Equity capital to assets | 9.8230% | 4,597 |
| Core capital (leverage) ratio | 10.0533% | 3,365 |
| Tier 1 risk-based capital ratio | 22.1913% | 1,255 |
| Total risk-based capital ratio | 23.3869% | 1,241 |
| Memoranda: | ||
| Average total assets | $47,380,750 | 6,502 |
| Average earning assets | $42,166,000 | 6,513 |
| Average equity | $4,817,250 | 6,555 |
| Average total loans | $18,866,000 | 6,779 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 5,914 |
| Cost of funding earning assets | 0.6796% | 6,072 |
| Net interest margin | 3.6498% | 4,522 |
| Noninterest income to average assets | 0.2982% | 5,505 |
| Noninterest expense to average assets | 3.4573% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1902% | 5,769 |
| Return on assets (ROA) | 0.1902% | 5,883 |
| Pretax return on assets | 0.1599% | 6,001 |
| Return on Equity (ROE) | 1.8474% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.8474% | 5,061 |
| Net charge-offs to loans | -0.0314% | 6,933 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5795% | 899 |
| Assets per employee ($millions) | 2.9311% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 4,510 |
| Loan loss allowance to noncurrent loans | 161.7284% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 6,229 |
| Noncurrent loans to loans | 0.8732% | 5,210 |
| Net loans and leases to total assets | 39.0025% | 6,800 |
| Net loans and leases to deposits | 44.0217% | 6,921 |
| Net loans and leases to core deposits | 48.7383% | 6,818 |
| Total domestic deposits to total assets | 88.5984% | 1,783 |
| Equity capital to assets | 10.2800% | 3,779 |
| Core capital (leverage) ratio | 10.1929% | 3,042 |
| Tier 1 risk-based capital ratio | 22.7652% | 1,156 |
| Total risk-based capital ratio | 24.0057% | 1,137 |
| Memoranda: | ||
| Average total assets | $46,278,670 | 6,589 |
| Average earning assets | $42,084,330 | 6,569 |
| Average equity | $4,763,330 | 6,611 |
| Average total loans | $19,124,000 | 6,833 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 5,908 |
| Cost of funding earning assets | 0.6499% | 6,381 |
| Net interest margin | 3.6830% | 4,191 |
| Noninterest income to average assets | 0.3307% | 5,254 |
| Noninterest expense to average assets | 3.7416% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0522% | 6,228 |
| Return on assets (ROA) | 0.0522% | 6,268 |
| Pretax return on assets | -0.0087% | 6,364 |
| Return on Equity (ROE) | 0.5069% | 6,261 |
| Retained earnings to average equity (ytd only) | 0.5069% | 5,622 |
| Net charge-offs to loans | -0.0618% | 6,955 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2331% | 734 |
| Assets per employee ($millions) | 2.6953% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 4,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.1174% | 6,699 |
| Net loans and leases to deposits | 46.3765% | 6,827 |
| Net loans and leases to core deposits | 50.7543% | 6,743 |
| Total domestic deposits to total assets | 88.6600% | 1,981 |
| Equity capital to assets | 10.2510% | 3,469 |
| Core capital (leverage) ratio | 10.3872% | 2,716 |
| Tier 1 risk-based capital ratio | 22.4144% | 1,160 |
| Total risk-based capital ratio | 23.6455% | 1,143 |
| Memoranda: | ||
| Average total assets | $45,969,500 | 6,639 |
| Average earning assets | $42,465,500 | 6,606 |
| Average equity | $4,734,500 | 6,638 |
| Average total loans | $19,409,500 | 6,873 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 5,460 |
| Cost of funding earning assets | 0.7136% | 6,843 |
| Net interest margin | 4.0738% | 2,686 |
| Noninterest income to average assets | 0.3796% | 5,066 |
| Noninterest expense to average assets | 4.0457% | 1,102 |
| Loan and lease loss provision to assets | 0.0335% | 6,809 |
| Net operating income to assets | 0.0982% | 5,594 |
| Return on assets (ROA) | 0.0982% | 5,732 |
| Pretax return on assets | 0.0223% | 5,853 |
| Return on Equity (ROE) | 0.8934% | 5,728 |
| Retained earnings to average equity (ytd only) | 0.0609% | 5,555 |
| Net charge-offs to loans | 0.0705% | 6,096 |
| Credit loss provision to net charge-offs | 107.1429% | 4,144 |
| Earnings coverage of net charge-offs (x) | 1.7857% | 4,379 |
| Efficiency ratio | 98.6391% | 847 |
| Assets per employee ($millions) | 2.8824% | 6,370 |
| Cash dividends to net income (ytd only)* | 93.1818% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,933 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 7,071 |
| Noncurrent loans to loans | 0.1065% | 6,872 |
| Net loans and leases to total assets | 42.1909% | 6,840 |
| Net loans and leases to deposits | 47.6912% | 6,964 |
| Net loans and leases to core deposits | 52.1355% | 6,905 |
| Total domestic deposits to total assets | 88.4668% | 1,965 |
| Equity capital to assets | 10.3471% | 3,329 |
| Core capital (leverage) ratio | 10.2181% | 2,846 |
| Tier 1 risk-based capital ratio | 21.6742% | 1,223 |
| Total risk-based capital ratio | 22.8526% | 1,207 |
| Memoranda: | ||
| Average total assets | $44,788,600 | 6,702 |
| Average earning assets | $40,920,000 | 6,677 |
| Average equity | $4,925,000 | 6,689 |
| Average total loans | $19,845,400 | 6,934 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8522% | 5,462 |
| Cost of funding earning assets | 0.7242% | 6,997 |
| Net interest margin | 4.1280% | 2,496 |
| Noninterest income to average assets | 0.3989% | 4,965 |
| Noninterest expense to average assets | 3.7549% | 1,470 |
| Loan and lease loss provision to assets | 0.0300% | 6,768 |
| Net operating income to assets | 0.3479% | 4,983 |
| Return on assets (ROA) | 0.3479% | 5,151 |
| Pretax return on assets | 0.3749% | 5,297 |
| Return on Equity (ROE) | 3.1161% | 5,175 |
| Retained earnings to average equity (ytd only) | 2.5790% | 4,615 |
| Net charge-offs to loans | 0.1073% | 5,472 |
| Credit loss provision to net charge-offs | 62.5000% | 5,627 |
| Earnings coverage of net charge-offs (x) | 8.4388% | 2,164 |
| Efficiency ratio | 90.2668% | 1,268 |
| Assets per employee ($millions) | 2.8806% | 6,422 |
| Cash dividends to net income (ytd only)* | 17.2443% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 5,243 |
| Loan loss allowance to noncurrent loans | 162.5806% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 6,503 |
| Noncurrent loans to loans | 0.7682% | 5,673 |
| Net loans and leases to total assets | 43.2294% | 6,893 |
| Net loans and leases to deposits | 49.1938% | 7,036 |
| Net loans and leases to core deposits | 53.3941% | 6,988 |
| Total domestic deposits to total assets | 87.8756% | 2,032 |
| Equity capital to assets | 10.8963% | 3,056 |
| Core capital (leverage) ratio | 10.8239% | 2,392 |
| Tier 1 risk-based capital ratio | 21.7764% | 1,243 |
| Total risk-based capital ratio | 22.9062% | 1,241 |
| Memoranda: | ||
| Average total assets | $44,456,000 | 6,798 |
| Average earning assets | $40,503,250 | 6,779 |
| Average equity | $4,963,250 | 6,762 |
| Average total loans | $19,877,500 | 7,017 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 5,063 |
| Cost of funding earning assets | 0.7442% | 7,081 |
| Net interest margin | 4.2290% | 2,056 |
| Noninterest income to average assets | 0.3871% | 5,017 |
| Noninterest expense to average assets | 3.7849% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3553% | 4,951 |
| Return on assets (ROA) | 0.3553% | 5,109 |
| Pretax return on assets | 0.4327% | 5,113 |
| Return on Equity (ROE) | 3.1556% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.3464% | 4,666 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7408% | 1,356 |
| Assets per employee ($millions) | 2.5682% | 7,004 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 5,034 |
| Loan loss allowance to noncurrent loans | 1,720.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 6,817 |
| Noncurrent loans to loans | 0.0744% | 7,121 |
| Net loans and leases to total assets | 45.5841% | 6,800 |
| Net loans and leases to deposits | 52.1473% | 6,969 |
| Net loans and leases to core deposits | 56.8710% | 6,894 |
| Total domestic deposits to total assets | 87.4141% | 2,316 |
| Equity capital to assets | 11.4040% | 2,517 |
| Core capital (leverage) ratio | 11.1458% | 2,139 |
| Tier 1 risk-based capital ratio | 22.1492% | 1,175 |
| Total risk-based capital ratio | 23.3350% | 1,164 |
| Memoranda: | ||
| Average total assets | $43,911,670 | 6,871 |
| Average earning assets | $39,773,000 | 6,850 |
| Average equity | $4,943,670 | 6,797 |
| Average total loans | $19,778,000 | 7,078 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 5,059 |
| Cost of funding earning assets | 0.7460% | 7,240 |
| Net interest margin | 4.2439% | 1,872 |
| Noninterest income to average assets | 0.2907% | 5,822 |
| Noninterest expense to average assets | 3.7786% | 1,356 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2452% | 5,516 |
| Return on assets (ROA) | 0.2452% | 5,637 |
| Pretax return on assets | 0.3361% | 5,501 |
| Return on Equity (ROE) | 2.1924% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.1924% | 4,816 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8322% | 1,288 |
| Assets per employee ($millions) | 2.7254% | 6,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 4,788 |
| Loan loss allowance to noncurrent loans | 186.9565% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 6,205 |
| Noncurrent loans to loans | 0.7101% | 5,913 |
| Net loans and leases to total assets | 43.9756% | 6,994 |
| Net loans and leases to deposits | 50.1714% | 7,116 |
| Net loans and leases to core deposits | 55.4749% | 7,018 |
| Total domestic deposits to total assets | 87.6508% | 2,262 |
| Equity capital to assets | 11.3104% | 2,494 |
| Core capital (leverage) ratio | 10.9430% | 2,265 |
| Tier 1 risk-based capital ratio | 22.6287% | 1,129 |
| Total risk-based capital ratio | 23.8480% | 1,110 |
| Memoranda: | ||
| Average total assets | $44,037,500 | 6,949 |
| Average earning assets | $39,680,500 | 6,941 |
| Average equity | $4,926,000 | 6,869 |
| Average total loans | $19,587,000 | 7,179 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2205% | 5,552 |
| Cost of funding earning assets | 1.0392% | 7,125 |
| Net interest margin | 4.1814% | 2,130 |
| Noninterest income to average assets | 0.3048% | 5,913 |
| Noninterest expense to average assets | 4.0046% | 1,356 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1412% | 5,080 |
| Return on assets (ROA) | 0.1412% | 5,147 |
| Pretax return on assets | 0.0874% | 5,251 |
| Return on Equity (ROE) | 1.2879% | 5,145 |
| Retained earnings to average equity (ytd only) | 0.4498% | 4,654 |
| Net charge-offs to loans | 0.0588% | 6,505 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,433 |
| Efficiency ratio | 97.8642% | 1,219 |
| Assets per employee ($millions) | 2.7793% | 6,697 |
| Cash dividends to net income (ytd only)* | 65.0794% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 4,711 |
| Loan loss allowance to noncurrent loans | 243.3962% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 6,803 |
| Noncurrent loans to loans | 0.5370% | 6,176 |
| Net loans and leases to total assets | 43.8103% | 7,129 |
| Net loans and leases to deposits | 49.8580% | 7,268 |
| Net loans and leases to core deposits | 60.9441% | 7,229 |
| Total domestic deposits to total assets | 87.8702% | 2,028 |
| Equity capital to assets | 11.0639% | 2,662 |
| Core capital (leverage) ratio | 10.7001% | 2,431 |
| Tier 1 risk-based capital ratio | 22.2612% | 1,122 |
| Total risk-based capital ratio | 23.4675% | 1,102 |
| Memoranda: | ||
| Average total assets | $44,624,200 | 6,926 |
| Average earning assets | $40,417,400 | 6,929 |
| Average equity | $4,891,600 | 6,982 |
| Average total loans | $20,394,600 | 7,170 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2833% | 5,517 |
| Cost of funding earning assets | 1.0790% | 7,221 |
| Net interest margin | 4.2043% | 2,042 |
| Noninterest income to average assets | 0.2746% | 6,266 |
| Noninterest expense to average assets | 3.6689% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3463% | 4,617 |
| Return on assets (ROA) | 0.3463% | 4,712 |
| Pretax return on assets | 0.4329% | 4,707 |
| Return on Equity (ROE) | 3.1663% | 4,720 |
| Retained earnings to average equity (ytd only) | 2.6205% | 3,857 |
| Net charge-offs to loans | 0.0389% | 6,365 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 24.1663% | 1,095 |
| Efficiency ratio | 89.4469% | 1,737 |
| Assets per employee ($millions) | 2.8579% | 6,514 |
| Cash dividends to net income (ytd only)* | 17.2443% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,392 |
| Loan loss allowance to noncurrent loans | 1,760.0000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 7,430 |
| Noncurrent loans to loans | 0.0749% | 7,306 |
| Net loans and leases to total assets | 43.2336% | 7,298 |
| Net loans and leases to deposits | 49.1827% | 7,450 |
| Net loans and leases to core deposits | 60.9928% | 7,364 |
| Total domestic deposits to total assets | 87.9040% | 1,704 |
| Equity capital to assets | 10.9500% | 3,062 |
| Core capital (leverage) ratio | 10.7185% | 2,627 |
| Tier 1 risk-based capital ratio | 21.9563% | 1,229 |
| Total risk-based capital ratio | 23.1552% | 1,211 |
| Memoranda: | ||
| Average total assets | $44,663,000 | 6,979 |
| Average earning assets | $40,655,500 | 6,974 |
| Average equity | $4,884,500 | 7,048 |
| Average total loans | $20,558,250 | 7,226 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 5,163 |
| Cost of funding earning assets | 1.1033% | 7,372 |
| Net interest margin | 4.2955% | 1,669 |
| Noninterest income to average assets | 0.2663% | 6,367 |
| Noninterest expense to average assets | 3.8593% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2844% | 4,968 |
| Return on assets (ROA) | 0.2844% | 5,067 |
| Pretax return on assets | 0.3611% | 5,044 |
| Return on Equity (ROE) | 2.6013% | 5,057 |
| Retained earnings to average equity (ytd only) | 1.7755% | 4,352 |
| Net charge-offs to loans | 0.1061% | 5,101 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 7.2727% | 2,466 |
| Efficiency ratio | 91.4439% | 1,684 |
| Assets per employee ($millions) | 2.6534% | 6,948 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 4,700 |
| Loan loss allowance to noncurrent loans | 354.7945% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 6,515 |
| Noncurrent loans to loans | 0.3483% | 6,642 |
| Net loans and leases to total assets | 48.7504% | 6,974 |
| Net loans and leases to deposits | 55.8533% | 7,176 |
| Net loans and leases to core deposits | 68.8386% | 7,082 |
| Total domestic deposits to total assets | 87.2830% | 2,108 |
| Equity capital to assets | 11.5463% | 2,512 |
| Core capital (leverage) ratio | 10.9689% | 2,423 |
| Tier 1 risk-based capital ratio | 21.6351% | 1,313 |
| Total risk-based capital ratio | 22.8069% | 1,286 |
| Memoranda: | ||
| Average total assets | $44,308,670 | 7,047 |
| Average earning assets | $40,786,670 | 7,025 |
| Average equity | $4,843,670 | 7,126 |
| Average total loans | $20,733,330 | 7,284 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 5,701 |
| Cost of funding earning assets | 1.1275% | 7,469 |
| Net interest margin | 4.2137% | 1,848 |
| Noninterest income to average assets | 0.2741% | 6,239 |
| Noninterest expense to average assets | 3.6255% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4068% | 4,829 |
| Return on assets (ROA) | 0.4068% | 5,011 |
| Pretax return on assets | 0.5482% | 4,923 |
| Return on Equity (ROE) | 3.8218% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.8218% | 3,765 |
| Net charge-offs to loans | 0.0194% | 5,294 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 635 |
| Efficiency ratio | 86.8644% | 1,982 |
| Assets per employee ($millions) | 2.7996% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 4,158 |
| Loan loss allowance to noncurrent loans | 283.1579% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 6,249 |
| Noncurrent loans to loans | 0.4540% | 6,285 |
| Net loans and leases to total assets | 46.1178% | 7,180 |
| Net loans and leases to deposits | 52.2921% | 7,386 |
| Net loans and leases to core deposits | 62.6494% | 7,366 |
| Total domestic deposits to total assets | 88.1926% | 1,653 |
| Equity capital to assets | 10.8452% | 3,129 |
| Core capital (leverage) ratio | 10.8004% | 2,652 |
| Tier 1 risk-based capital ratio | 21.1791% | 1,423 |
| Total risk-based capital ratio | 22.3698% | 1,401 |
| Memoranda: | ||
| Average total assets | $45,235,500 | 7,059 |
| Average earning assets | $41,863,000 | 7,026 |
| Average equity | $4,814,500 | 7,181 |
| Average total loans | $20,622,000 | 7,326 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8278% | 6,341 |
| Cost of funding earning assets | 1.4663% | 7,660 |
| Net interest margin | 4.3615% | 1,788 |
| Noninterest income to average assets | 0.2916% | 6,379 |
| Noninterest expense to average assets | 4.0346% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2250% | 5,772 |
| Return on assets (ROA) | 0.2250% | 5,598 |
| Pretax return on assets | 0.2733% | 5,569 |
| Return on Equity (ROE) | 2.0364% | 5,609 |
| Retained earnings to average equity (ytd only) | -0.1039% | 5,301 |
| Net charge-offs to loans | 0.0272% | 6,447 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 23.8000% | 1,402 |
| Efficiency ratio | 93.6567% | 1,294 |
| Assets per employee ($millions) | 2.8548% | 6,427 |
| Cash dividends to net income (ytd only)* | 105.1020% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 3,599 |
| Loan loss allowance to noncurrent loans | 337.5000% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 5,771 |
| Noncurrent loans to loans | 0.3938% | 6,162 |
| Net loans and leases to total assets | 43.8886% | 7,477 |
| Net loans and leases to deposits | 49.5649% | 7,646 |
| Net loans and leases to core deposits | 58.8821% | 7,635 |
| Total domestic deposits to total assets | 88.5478% | 1,227 |
| Equity capital to assets | 10.4451% | 3,564 |
| Core capital (leverage) ratio | 10.5810% | 2,920 |
| Tier 1 risk-based capital ratio | 21.0379% | 1,455 |
| Total risk-based capital ratio | 22.2365% | 1,427 |
| Memoranda: | ||
| Average total assets | $43,548,400 | 7,051 |
| Average earning assets | $40,100,600 | 7,037 |
| Average equity | $4,812,400 | 7,205 |
| Average total loans | $18,366,600 | 7,437 |